©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
Arizona Adjuster - Property & Casualty
Exam Simulator - Series 13-36 Exam
Questions And Answers |Latest 2025 |
Guaranteed Pass.
Under the BOP, how much would be paid for any one tree, shrub, or plant in case of a covered
cause of loss? - Answer✔The policy provides a limit of no more than $1,000 on any one tree,
shrub, or plant with a total limit of $2,500. The older
forms provided $500.
Name the coverage that applies to the extra cost the insured incurs to make temporary repairs
and speed up the permanent
repairs or replacement of damaged covered equipment under an Equipment Breakdown policy.
- Answer✔This is called expediting expense coverage.
The homeowner policy written to cover only personal property and personal liability is called
an: - Answer✔This is the HO-4 also referred to as a tenant's homeowner policy or renters
insurance.
When a first party claim is made, what must be listed on the payment draft? - Answer✔When a
claim payment is made, an indication of the type of coverage under which the payment is made
must be stated
on the draft payment.
Which of the following would NOT meet the definition for coverage to apply under the
uninsured motorist coverage in
Arizona?
The insured was struck as a pedestrian by an uninsured motorist.
One who has coverage in excess of the financial responsibility requirement.
1
,©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
An uninsured motorist that causes an accident resulting in bodily injury without making contact
with that
person.
An uninsured motorist makes contact with the claimant's vehicle. - Answer✔In Arizona, there
must be contact with the uninsured motorist and the claimant, or the claimant's vehicle. Unless
the claimant
can provide additional and confirming testimony, facts and/or evidence that another
unidentified vehicle caused the accident.
All of the following are sections of a CGL form, EXCEPT:
Conditions.
Definitions.
Prior Acts coverage.
Who is an insured. - Answer✔Prior Acts coverage.
Although wording in the policy could exclude coverage for prior acts and events that happened
prior to the policy, that is not
a section of the policy. The other three choices are all separate sections of the CGL.
Under an HO-3 policy, what coverage is provided for watercraft lost due to theft?
None; watercraft is excluded.
None; theft is not covered.
Up to the actual cash value of the watercraft.
$1500 maximum, under Special Limits. - Answer✔$1500 maximum, under Special Limits is
correct.
Under personal property coverage, HO policies have several categories of property with
"special limits." Among them is
"watercraft of all types, including their trailers" For this property, the special limit is $1500.
Theft of watercraft and their
accessories are covered on the insured's residence premises only and not off the premises. A
watercraft policy is needed for
the broader coverage.
2
, ©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
Telemarketers who transmit pre-recorded messages to consumers who have not agreed to
accept such messages will be fined up to:
$10,000 aggregate.
$10,000 per call.
$16,000 per call.
$16,000 aggregate. - Answer✔The correct answer is: $16,000 per call.
Beginning September 1, 2009 the penalty for transmitting pre-recorded messages to those who
have not agreed to them is
$16,000 per call
Which of the following is correct in order for the additional coverage of collapse to be available
in the special BOP?
The collapse must be such that the building can not be used as intended.
The remaining part of the structure standing must be demolished.
The remaining part of the structure must be judged unsound to rebuild on.
The building must be leaning, settling or in danger of collapsing. - Answer✔The correct answer
is: The collapse must be such that the building can not be used as intended.
The definition of collapse in the policy is the "abrupt falling down or caving in of the structure
or part of the structure" and it
must render the building as unusable as intended.
Dan insures a home for adequate limits under a DP-2. If a flood causes $1,000 in damage, what
is the maximum the
insurer will pay, disregarding deductibles?
$0.
$750.
$900.
$1,000. - Answer✔$0 is correct.
Flood is an excluded peril under all the dwelling forms unless fire ensues and then only the loss
caused by fire is covered.
Under the commercial property condominium association form, coverage is based on:
3
Arizona Adjuster - Property & Casualty
Exam Simulator - Series 13-36 Exam
Questions And Answers |Latest 2025 |
Guaranteed Pass.
Under the BOP, how much would be paid for any one tree, shrub, or plant in case of a covered
cause of loss? - Answer✔The policy provides a limit of no more than $1,000 on any one tree,
shrub, or plant with a total limit of $2,500. The older
forms provided $500.
Name the coverage that applies to the extra cost the insured incurs to make temporary repairs
and speed up the permanent
repairs or replacement of damaged covered equipment under an Equipment Breakdown policy.
- Answer✔This is called expediting expense coverage.
The homeowner policy written to cover only personal property and personal liability is called
an: - Answer✔This is the HO-4 also referred to as a tenant's homeowner policy or renters
insurance.
When a first party claim is made, what must be listed on the payment draft? - Answer✔When a
claim payment is made, an indication of the type of coverage under which the payment is made
must be stated
on the draft payment.
Which of the following would NOT meet the definition for coverage to apply under the
uninsured motorist coverage in
Arizona?
The insured was struck as a pedestrian by an uninsured motorist.
One who has coverage in excess of the financial responsibility requirement.
1
,©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
An uninsured motorist that causes an accident resulting in bodily injury without making contact
with that
person.
An uninsured motorist makes contact with the claimant's vehicle. - Answer✔In Arizona, there
must be contact with the uninsured motorist and the claimant, or the claimant's vehicle. Unless
the claimant
can provide additional and confirming testimony, facts and/or evidence that another
unidentified vehicle caused the accident.
All of the following are sections of a CGL form, EXCEPT:
Conditions.
Definitions.
Prior Acts coverage.
Who is an insured. - Answer✔Prior Acts coverage.
Although wording in the policy could exclude coverage for prior acts and events that happened
prior to the policy, that is not
a section of the policy. The other three choices are all separate sections of the CGL.
Under an HO-3 policy, what coverage is provided for watercraft lost due to theft?
None; watercraft is excluded.
None; theft is not covered.
Up to the actual cash value of the watercraft.
$1500 maximum, under Special Limits. - Answer✔$1500 maximum, under Special Limits is
correct.
Under personal property coverage, HO policies have several categories of property with
"special limits." Among them is
"watercraft of all types, including their trailers" For this property, the special limit is $1500.
Theft of watercraft and their
accessories are covered on the insured's residence premises only and not off the premises. A
watercraft policy is needed for
the broader coverage.
2
, ©THEBRIGHT 2024/2025 ALL RIGHTS RESERVED 10:15AM A+
Telemarketers who transmit pre-recorded messages to consumers who have not agreed to
accept such messages will be fined up to:
$10,000 aggregate.
$10,000 per call.
$16,000 per call.
$16,000 aggregate. - Answer✔The correct answer is: $16,000 per call.
Beginning September 1, 2009 the penalty for transmitting pre-recorded messages to those who
have not agreed to them is
$16,000 per call
Which of the following is correct in order for the additional coverage of collapse to be available
in the special BOP?
The collapse must be such that the building can not be used as intended.
The remaining part of the structure standing must be demolished.
The remaining part of the structure must be judged unsound to rebuild on.
The building must be leaning, settling or in danger of collapsing. - Answer✔The correct answer
is: The collapse must be such that the building can not be used as intended.
The definition of collapse in the policy is the "abrupt falling down or caving in of the structure
or part of the structure" and it
must render the building as unusable as intended.
Dan insures a home for adequate limits under a DP-2. If a flood causes $1,000 in damage, what
is the maximum the
insurer will pay, disregarding deductibles?
$0.
$750.
$900.
$1,000. - Answer✔$0 is correct.
Flood is an excluded peril under all the dwelling forms unless fire ensues and then only the loss
caused by fire is covered.
Under the commercial property condominium association form, coverage is based on:
3
